Medical Marijuana is legal in two-thirds of all states in the United States, and having a medical marijuana prescription is viewed differently than recreational marijuana use, so you may be wondering how medical marijuana affects your life insurance rates.  

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The one main difference is that if you are a medical marijuana user, the insurance underwriter is going to want to understand what your condition is that necessitates marijuana use.  It may be a minor condition like appetite or insomnia, or it may treat a more serious medical condition such as the side effects of cancer treatment.  If there's a more serious medical condition, then the underwriter is going to take that into account.  

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Another thing to consider is frequency of use.  The marijuana friendly life insurance carriers are OK with occasional use, but if you're a heavy daily marijuana user, you may not get approved.